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There are reasons why sometimes it is necessary to do it the way we did.Better to take out a policy with an Australian based insurer with covid coverage.
Noting that when I entered Fiji no one asked to see proof of insurance with covid coverage even though I had it.
The issue is that the airline is responsible and should/will normally ask at check in. If you arrive without it and they do check you will be on the next flight home and at the airline's expense.